Wallack S S
Health Care Financ Rev. 1988 Dec;Spec No(Suppl):97-102.
There has been dramatic change in the financing of long-term care in the last few years. Major private insurance carriers have introduced long-term care insurance policies to meet some of the custodial care needs of a variety of consumer groups, including old and young retirees as well as current employees. Newer policies are tying coverages more closely to a measure of disability that reflect the ability of persons to live independently. Insurers, consumer groups, and policymakers have come to understand the importance of developing innovative financing mechanisms that emphasize prefunding and cash accumulation to make policies more affordable and more desirable to a broader spectrum of the aged and nonaged population.
在过去几年里，长期护理的资金筹集方式发生了巨大变化。主要的私营保险公司推出了长期护理保险政策，以满足包括老年和年轻退休人员以及在职员工在内的各类消费群体的一些监护护理需求。新政策将保险范围与反映人们独立生活能力的残疾衡量标准更紧密地联系起来。保险公司、消费者团体和政策制定者已经开始认识到开发创新融资机制的重要性，这些机制强调预先筹资和现金积累，以使政策对更广泛的老年和非老年人群更具可承受性和吸引力。
